premiums about twice as high as the rest of the country in other states like arizona, arkansas, idaho, iowa, obama, the list goes on. those rates are going to go up 65 and 100% according to this study we were looking at. how do you think that gets observed? -- absorbed? >> the good news is that we saw last year for example health care costs overall only went up 4%. it now had three years in a row with single-digit growth instead of double digit growth in health care expenditures we've seen year after year in the last generation. there is some evidence the system is getting costs under control that will help keep premiums down. you said 50% over five years, that is a 10% increase over five years each year. in none of premium increases the last 15 to 20 years. there is no significanactual increase. what we don't know is how the obama reforms on the cost side will bring costs down as more people come in to the system. there will be more unhealthy people in the system, a lot more healthy people in the system bringing more revenue for the insurance companies as well. we have to give reform time.